Abstract: A fraud-prevention system having user security parameters based on user instruction. A user specifies the security parameter for a transaction. The security parameter may include, but is not limited to a geographic location, a monetary value range, a transaction mode, an account access parameter, a class of goods, or a class of services. The fraud-prevention system acquires this security parameter information from the user and stores it in a user security parameter database. The fraud-prevention system uses these user security parameters to screen subsequent transactions.

Abstract: A system and method of transferring information comprising an input module configured to receive an access parameter from an entity authorized to provide the access parameter, an access module configured to access a first database or a second database and communicate information from the first database to the second database wherein the information is configured to perform an authorized function. The function can be authorized bill payment. The information to be transferred can include financial information, and can include account information.